10 dog breeds that rile up insurers
Whether fair or not, underwriters have singled out these pooches for special scrutiny in homeowner policies.
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This would make sense if choices were based on statistics. The quantity of bites to the quantity of dofs registered in a specific breed is a statistical sample. But companies base the list on payouts--not quantity of incidents. Worse, yet, the payouts include mixes. Just because a mixed breed "looks" like something, there's no real basis of proof. Only a registered dog with breed bloodlines can prove what it is, especially now that the AKC uses DNA results. So, without a statistically reliable samle of bites to quantity of dogs in that breed, the list is just one that angers insurers because they couldn't sidestep a payout.
Have a purebred on the list? Just call Safeco, a Liberty Mutual insurer. We have nine dogs--no problem, plus we saved almost $300 a year even though we've had 62 years with the same campany and no claims. Thank you Safeco.
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